

SeedTime Money (Faith, Family & Finances)
Bob Lotich, Linda Lotich
Success as a Christian. Success in Marriage. Success with money. That's what we're after. If you want that too, then you'll love the show.
Learn to simplify, automate, multiply & get full control of the money God's entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.
Oh and we have a different take on money than most financial experts. We aren't going to judge you for your past mistakes and we haven't forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn't the goal, but is simply a tool that can be used to fulfill what God has called us to do.
We help you spend less time thinking about money while getting better results.
The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:
- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40
Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our real lives.
And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book 'Simple Money, Rich Life' or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.
Find out more at https://seedtime.com/
Learn to simplify, automate, multiply & get full control of the money God's entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.
Oh and we have a different take on money than most financial experts. We aren't going to judge you for your past mistakes and we haven't forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn't the goal, but is simply a tool that can be used to fulfill what God has called us to do.
We help you spend less time thinking about money while getting better results.
The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:
- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40
Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our real lives.
And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book 'Simple Money, Rich Life' or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.
Find out more at https://seedtime.com/
Episodes
Mentioned books

Oct 25, 2025 • 27min
The #1 Mistake Christians Make When it Comes to Giving
 What if the greatest danger in our giving isn't how much we give—but why we give? In this episode, Bob and Linda unpack one of the most shocking stories in Acts 5: the tale of Ananias and Sapphira. Why did God respond so severely—and what does it reveal about our own struggles with wealth, legacy, and generosity? Together, we wrestle with the tension between leaving an inheritance (Proverbs 13:22) and practicing radical generosity (Acts 4, Matthew 6:33). You'll hear how this tension has played out in our own finances, and we'll share a 4-part framework to help you align your money with God's priorities—without guilt, fear, or legalism.   What You'll Learn in This Episode:  Why the story of Ananias & Sapphira still convicts believers today. The hidden danger of looking generous versus being generous. How Barnabas modeled the right heart posture in giving. 4-part biblical framework for wealth + generosity: Provide, Preserve, Prioritize, Pivot. Practical questions to evaluate your heart when it comes to money    Scripture Anchors (NLT):  Acts 5:1–11 — The sobering story of Ananias & Sapphira. Proverbs 13:22 — "Good people leave an inheritance to their grandchildren…" Matthew 6:33 — "Seek the Kingdom of God above all else…" 1 Timothy 5:8 — "Those who won't care for their relatives… have denied the true faith."    Listen & Share: If this conversation challenged you, would you share it with a friend? Let's normalize radical obedience and kingdom generosity in today's world.   Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/_AonHZ0jWnk)   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Oct 18, 2025 • 11min
Teaching teens about money (here's what you need to know)
 If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot. Bob & Linda share how they're teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life. You'll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between "nudging" kids toward giving vs. letting them choose it themselves. By the end, you'll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them. What You'll Learn in This Episode:  Why teens are often afraid to "launch" financially—and how to help A simple way to adapt the Real Money Method for high schoolers How to teach kids to give, save, and spend wisely (10/10/80 rule) Practical tools: using Greenlight cards and starter investment accounts The debate: should we require kids to tithe, or let them choose? How just a few early investing years can radically change retirement  Key Scriptures Mentioned:  "The borrower is servant to the lender." (Proverbs 22:7, NLT) "Wherever your treasure is, there the desires of your heart will also be." (Matthew 6:21, NLT) "The generous will prosper; those who refresh others will themselves be refreshed." (Proverbs 11:25, NLT)  Resources & Links:  Learn more about the Real Money Method → seedtime.com/realmoney  Explore Greenlight debit cards for kids → seedtime.com/2/greenlight.php Our 10x Investing Course for teens & adults → seedtime.com/investing     Action Step This Week: If your teen has income—whether it's $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.   Subscribe & Review: If you enjoyed today's episode, hit subscribe so you don't miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-3g3ym6JndI)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Oct 11, 2025 • 26min
Charlie Kirk | Praying for enemies | And the crazy thing that happened when we did
 Over the last few weeks, there's been so much talk about the Charlie Kirk tragedy. But as I've listened to all the commentary, I realized—no one's talking about this. We didn't want to make another video about what happened. We wanted to talk about what Jesus actually modeled when something unthinkable happens… and how that applies to us right now. This episode honestly challenged both of us deeply. It's one of those conversations where you feel the tension between what feels fair… and what faith actually calls us to do. We're not trying to debate headlines. We're just asking—what does it look like to follow Jesus when it really costs something? Episode Takeaway: It's easy to pray for victims. It's supernatural to pray for the ones who caused the pain. But that's exactly what Jesus modeled—and when we do, we invite heaven into places the world wants to keep dark. Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/-wbON8CU8gU)   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  

Oct 4, 2025 • 31min
10 Millionaire Patterns the Wealthy Follow (and Broke People Don't)
 Discover the surprising patterns that can secure your financial future. Overspending on status traps you, while investing in education pays off. Shopping without a list can drain your funds, and the real profit often lies in investing in your skills. Evaluate purchases by hours worked and prioritize savings over high income. Surround yourself with the right people and model their habits at the correct life stage. Finally, focus on experiences that enhance your life while choosing a location that saves both time and money! 

Sep 27, 2025 • 22min
Why God's provision won't work if you miss this
 Explore the profound lessons from the widow’s story in 2 Kings 4, which reveals God’s blueprint for abundance. Discover the hidden business model in her miracle and learn why claiming you have nothing can blind you to opportunities. Delve into the importance of adhering to God's order: ask, obey, work, pay debts, and then enjoy the overflow. This conversation reshapes perceptions of financial blessings and highlights how small resources can yield miraculous outcomes. 

Sep 20, 2025 • 27min
7 pieces of financial advice that have changed my life
 Explore transformative financial insights that can reshape your money mindset. Discover the common traps of overspending, like excessive housing and car costs, and learn practical strategies for young adults. Gain wisdom on prioritizing values over income, like giving when finances are tight. Plus, find out how to accelerate your mortgage payoff. By the end, you'll have actionable advice to reduce financial stress and enhance stewardship. 

Sep 13, 2025 • 29min
The #1 thing destroying wealthy/successful Christians (w/ John Bevere)
 Join John Bevere, a renowned Christian author and co-founder of Messenger International, as he explores the dangerous interplay of pride and success among Christians. He warns that pride often masquerades as spiritual maturity, leading to spiritual blindness. Discover why the downfall of King Uzziah still resonates today and how Apostle Paul's growth in humility can inspire a true reflection on wealth and success. With personal anecdotes and practical defenses against pride, this conversation encourages a heartfelt pursuit of humility. 

Sep 6, 2025 • 35min
Why we stopped "giving our age": When God Changes Your Assignment (And Your Identity)
 The speakers share their transformative journey from identifying as a couple who gave their age as a percentage of income to embracing a new path of radical saving. They discuss the challenges of releasing an identity that had become an idol and the miracles that followed. With personal anecdotes, they explore the relationship between faith and finances, emphasizing the importance of divine guidance and flexibility in financial stewardship. They invite listeners to consider what new direction God might have for them, moving beyond formulas to a deeper relationship. 

Aug 30, 2025 • 30min
ChatGPT says these 10 money wasters are keeping you broke
 This episode was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home. Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it.  In this episode, we break down 10 money wasters that sneak into your life: If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.   Resources Mentioned in this Episode:  Simple Money, Rich Life (Free Copy Offer): https://seedtime.com/free Visible Wireless (cell phone savings vs. Verizon): https://www.visible.com eBay (find quality used items): https://www.ebay.com Facebook Marketplace: https://www.facebook.com/marketplace HSA & FSA info (IRS guide): https://www.irs.gov/publications/p969    We'd love to hear from you! Email us at bob@seedtime.com or linda@seedtime.com with the money wasters you've spotted in your own life.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/gxz9X4MuJSc)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Aug 23, 2025 • 33min
When God tells you to SPEND more
 What if being "too good" at saving and stewarding money is actually holding you back from obedience to God? In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would've called it foolish—but their "irresponsible obedience" led to one of the most important divine encounters of their lives. We'll unpack:  Why sometimes God asks us to spend more instead of saving more How to know the difference between your desires and the Spirit's leading Why true stewardship is less about your wisdom and more about your obedience Three practical questions to ask when you sense God nudging you to spend beyond reason  If you've ever wrestled with the tension between "wise stewardship" and radical obedience, this conversation is for you.   Resources Mentioned:  Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free) NeeDoh Stress Cubes (yes, our new team obsession 😂) → https://www.schylling.com/brand/needoh/ SeedTime Courses & Community    👉Share this with someone who needs the reminder that obedience always outweighs "responsible" stewardship.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Z5pHkOGfcco)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.   


